FFY Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $47,896,000 | 724 |
| Total interest expense | $26,977,000 | 616 |
| Net interest income | $20,919,000 | 845 |
| Provision for loan and lease losses | $451,000 | 1,907 |
| Total noninterest income | $2,168,000 | 1,750 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,168,000 | 1,090 |
| Total noninterest expense | $12,101,000 | 1,143 |
| Salaries and employee benefits | $6,712,000 | 1,030 |
| Premises and equipment expense | $2,190,000 | 912 |
| Additional noninterest expense | $3,199,000 | 1,439 |
| Pre-tax net operating income | $10,535,000 | 783 |
| Securities gains (losses) | $384,000 | 397 |
| Applicable income taxes | $3,766,000 | 734 |
| Income before extraordinary items | $7,153,000 | 808 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,153,000 | 808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 1,422 |
| Cash dividends | $7,903,000 | 485 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $6,899,560 | 814 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $46,880,000 | 719 |
| Total interest expense | $26,569,000 | 631 |
| Net interest income | $20,311,000 | 844 |
| Provision for loan and lease losses | $488,000 | 1,756 |
| Total noninterest income | $1,918,000 | 1,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,918,000 | 1,195 |
| Total noninterest expense | $11,443,000 | 1,151 |
| Salaries and employee benefits | $6,377,000 | 1,026 |
| Premises and equipment expense | $1,983,000 | 978 |
| Additional noninterest expense | $3,083,000 | 1,418 |
| Pre-tax net operating income | $10,298,000 | 758 |
| Securities gains (losses) | $367,000 | 661 |
| Applicable income taxes | $4,042,000 | 678 |
| Income before extraordinary items | $6,623,000 | 830 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,623,000 | 829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $409,000 | 1,480 |
| Cash dividends | $10,023,000 | 380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $6,388,120 | 819 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $45,337,000 | 759 |
| Total interest expense | $25,516,000 | 662 |
| Net interest income | $19,821,000 | 901 |
| Provision for loan and lease losses | $660,000 | 1,386 |
| Total noninterest income | $1,675,000 | 2,026 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,675,000 | 1,243 |
| Total noninterest expense | $10,683,000 | 1,243 |
| Salaries and employee benefits | $5,981,000 | 1,101 |
| Premises and equipment expense | $1,806,000 | 1,103 |
| Additional noninterest expense | $2,896,000 | 1,487 |
| Pre-tax net operating income | $10,153,000 | 807 |
| Securities gains (losses) | $-28,000 | 10,488 |
| Applicable income taxes | $3,512,000 | 818 |
| Income before extraordinary items | $6,613,000 | 840 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,613,000 | 843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,660,000 | 565 |
| Cash dividends | $7,708,000 | 450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $6,631,200 | 815 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $42,147,000 | 837 |
| Total interest expense | $23,101,000 | 756 |
| Net interest income | $19,046,000 | 964 |
| Provision for loan and lease losses | $528,000 | 1,667 |
| Total noninterest income | $1,533,000 | 2,268 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,533,000 | 1,374 |
| Total noninterest expense | $14,854,000 | 1,028 |
| Salaries and employee benefits | $6,678,000 | 1,004 |
| Premises and equipment expense | $1,843,000 | 1,132 |
| Additional noninterest expense | $6,333,000 | 953 |
| Pre-tax net operating income | $5,197,000 | 1,386 |
| Securities gains (losses) | $-198,000 | 11,305 |
| Applicable income taxes | $1,685,000 | 1,433 |
| Income before extraordinary items | $3,314,000 | 1,490 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,314,000 | 1,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,967 |
| Cash dividends | $1,000,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,444,680 | 1,402 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $39,976,000 | 910 |
| Total interest expense | $21,988,000 | 811 |
| Net interest income | $17,988,000 | 1,021 |
| Provision for loan and lease losses | $352,000 | 2,057 |
| Total noninterest income | $1,437,000 | 2,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,437,000 | 1,406 |
| Total noninterest expense | $11,106,000 | 1,290 |
| Salaries and employee benefits | $6,115,000 | 1,108 |
| Premises and equipment expense | $1,790,000 | 1,172 |
| Additional noninterest expense | $3,201,000 | 1,608 |
| Pre-tax net operating income | $7,967,000 | 984 |
| Securities gains (losses) | $25,000 | 1,741 |
| Applicable income taxes | $2,593,000 | 1,018 |
| Income before extraordinary items | $5,399,000 | 984 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,399,000 | 983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,418 |
| Cash dividends | $6,286,000 | 538 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $5,382,000 | 980 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $39,797,000 | 833 |
| Total interest expense | $19,347,000 | 736 |
| Net interest income | $20,450,000 | 914 |
| Provision for loan and lease losses | $370,000 | 1,931 |
| Total noninterest income | $1,219,000 | 2,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,219,000 | 1,614 |
| Total noninterest expense | $11,270,000 | 1,309 |
| Salaries and employee benefits | $5,838,000 | 1,161 |
| Premises and equipment expense | $1,775,000 | 1,188 |
| Additional noninterest expense | $3,657,000 | 1,522 |
| Pre-tax net operating income | $10,029,000 | 795 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $3,627,000 | 742 |
| Income before extraordinary items | $6,391,000 | 821 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,391,000 | 823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,574 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,493,000 | 357 |
| Net operating income | $6,398,040 | 820 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $41,134,000 | 815 |
| Total interest expense | $20,711,000 | 697 |
| Net interest income | $20,423,000 | 910 |
| Provision for loan and lease losses | $387,000 | 2,523 |
| Total noninterest income | $952,000 | 3,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $952,000 | 2,097 |
| Total noninterest expense | $10,376,000 | 1,471 |
| Salaries and employee benefits | $5,102,000 | 1,310 |
| Premises and equipment expense | $1,716,000 | 1,252 |
| Additional noninterest expense | $3,558,000 | 1,661 |
| Pre-tax net operating income | $10,612,000 | 685 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $3,778,000 | 682 |
| Income before extraordinary items | $6,836,000 | 763 |
| Extraordinary gains, net | $540,000 | 424 |
| Net income | $7,376,000 | 729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 5,115 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $24,154,000 | 60 |
| Net operating income | $6,834,720 | 713 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $41,564,000 | 910 |
| Total interest expense | $24,293,000 | 776 |
| Net interest income | $17,271,000 | 1,074 |
| Provision for loan and lease losses | $1,650,000 | 1,316 |
| Total noninterest income | $813,000 | 3,931 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $813,000 | 2,292 |
| Total noninterest expense | $8,874,000 | 1,707 |
| Salaries and employee benefits | $4,050,000 | 1,633 |
| Premises and equipment expense | $1,644,000 | 1,331 |
| Additional noninterest expense | $3,180,000 | 1,908 |
| Pre-tax net operating income | $7,560,000 | 857 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $2,922,000 | 803 |
| Income before extraordinary items | $4,638,000 | 1,024 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,638,000 | 1,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 13,072 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,638,000 | 935 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.